Five-year transitional retirement fee for social security personnel in Guangzhou institutions

The integration of government institutions and enterprise endowment insurance system in China was officially implemented from 20 15 10 1. According to the relevant policies, the "middle-aged" who took part in the work before the reform and retired after the reform will be given a transitional pension, and a transition period of 10 year will be set, and the old and new calculation methods will be compared, so the high is not low.

The specific accounting methods of "middle-aged" pensions for retirees of government agencies and institutions are as follows:

Calculation and formulation of treatment standard for "middle people";

Persons who joined the work before September 30, 20 14 and retired after June, 14+08+00 (that is, "intermediaries") are regarded as the payment period according to the policies of the state and the autonomous region, which is different from 206538. When reaching the statutory retirement age, if the payment period has accumulated to 15 years, on the basis of basic pension and personal account pension, transitional pension will be paid according to the length of deemed payment period.

In order to ensure the smooth connection between the old and new treatment standards after the implementation of the old-age insurance system reform for staff in government agencies and institutions, a transition period of 10 years was set for "middle people", during which the old and new treatment methods were compared to ensure the low and limit the high.

That is, if the new method (including occupational annuity treatment) is lower than the old method, it will be paid according to the old method, and the treatment will not be reduced; Those who are higher than the old treatment standard will be paid 65,438+00% of the first-year retirement (from 2065,438+04 to10,65,438+0 to 2065,438+05 to 365,438+0 in February). Those who retire in the second year (from 201610 to 201612 February 3 1 2) will be paid 20%, and so on, and those who retire at the end of the transition period (2024/2)

1. Old treatment scheme and payment standard.

The calculation formula is:

Old treatment scheme and payment standard = (a× m+b+c )×∏ nn = 2015 (1+gn-1).

Answer: 2065438+September 2004 staff basic salary standard.

B: From 2065438 to September 2004, the position and rank (technical title) of the staff.

Standard of retirement allowance.

C: The standard of retirement fee has been increased according to the State Council Document [20 15]3.

M: The old method corresponds to the proportion of working years of staff when they retire.

GN- 1: refers to the wage increase range determined by factors such as the wage increase of employees in the whole region in the N- 1 year, n∈[20 15, N], G20 14=0.

N: Retirement year of transitional retirees, n ∈ [2015,2024]. If he retires on June 65438+1 October1day 20 14 February 3 1 day, his retirement year will be regarded as 20 15 years.

2. New treatment scheme and payment standard.

The calculation formula is:

New treatment calculation and payment standard = basic pension+occupational annuity monthly calculation and payment standard

(1) basic pension = basic pension+transitional pension+personal account pension

(1) basic pension = the average monthly salary of employees in the overall planning area in the previous year when they retire ×( 1+ my average payment wage index) ÷2× payment years (including dependent payment years, the same below )×1%.

My average payment wage index = (deemed payment index × deemed payment period+actual average payment index × actual payment period) ÷ payment period

Actual average payment index = (xn/cn-1+xn-1/cn-2+...+x 2016/c 2015+x 20/kloc 20/kloc.

Xn, Xn- 1, …X20 14 is the sum of my monthly salary base from the year when the insured retires to the corresponding year of 20 14, and Cn- 1, Cn-2, …C20 13 is the retirement of the insured. N paid-in refers to the number of years that the insured actually pays the endowment insurance premium.

(2) Transitional pension = average monthly salary of employees in the overall planning area at retirement × deemed payment index × deemed payment period × 1.4%.

(3) Personal account pension = the accumulated amount of personal account of my basic old-age insurance at the time of retirement, and the number of months of payment.

(2) Monthly calculation and payment standard of occupational annuity = cumulative storage amount of personal account of occupational annuity ÷ calculation and payment months.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.